Safe Rate Local
2025 HUD guidelines · Computed from local median home value
| Product | Rate / APR ↑ | Mo. Payment ↕ | Points | ||
|---|---|---|---|---|---|
FHA 3.5% Down FHA purchase, 3.5% down +$104/mo MI | 3.5% Down680 FICO30-yr | 6.344% 7.113% APR | $1,436 Principal & Interest | $0 Points | |
Lower Credit FHA FHA for buyers with lower credit scores +$104/mo MI | 3.5% Down580 FICO30-yr | 6.371% 7.140% APR | $1,440 Principal & Interest | $0 Points | |
HomeReady Fannie Mae HomeReady, low-income buyers +$133/mo MI | 3% Down660 FICO30-yr | 6.936% 7.309% APR | $1,508 Principal & Interest | $0 Points | |
10% Down Conv. Conventional purchase, 10% down +$141/mo MI | 10% Down720 FICO30-yr | 6.962% 7.118% APR | $1,403 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$149/mo MI | 5% Down700 FICO30-yr | 7.333% 7.816% APR | $1,537 Principal & Interest | $0 Points |
Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to St. Joseph County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.
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Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.